Worcester County and Gardner City property record for 175 Baker St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,426 sqft · built 1952 |
| Lot Size | 0.268 acres (11,693 sqft) |
| Owner | Individual Name on File |
| Last Sale | $194,000 (Oct 2019) |
| Tax Bill | $3,918 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Apr 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:18 L:9 |
| Primary APN | GARD M:M22 B:18 L:9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,426 sqft Living Area |
| Gross Area | 3,040 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,693 sqft (0.268 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 175 BAKER ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 18 |
| Legal Lot Number | 9 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 707300 |
175 Baker St is owned and occupied by an individual who acquired it in April 2021.
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 175 BAKER ST, GARDNER, MA 01440-2839 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 2, 2026 | Deed of Trust, Mortgage CITIZENS BANK |
| Apr 12, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance ENVOY MORTGAGE LTD |
| Oct 1, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVOY MORTGAGE LTD |
| Aug 15, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2019 · Amount on File |
| Deed Sale | Oct 1, 2019 · Amount on File |
| Deed Document Number | 2019102591 |
| Deed Book / Page | 61157 / 94 |
| Last Transfer Date | Apr 6, 2021 |
| Transfer Doc | 64910-37 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 175 BAKER ST, GARDNER, MA 01440-2839 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 073258-196 |
|---|---|
| Date | Mar 2, 2026 |
| Book Page | 73258/196 |
| Instrument | 15742 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 301 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 12, 2021 |
| Property Address | 175 BAKER ST, GARDNER, MA 01440-2839 |
| Document Number | 0064910-37 |
| Book / Page | 64910 / 37 |
| Instrument Date | Apr 6, 2021 |
| Instrument | 50021 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 175 BAKER ST, GARDNER, MA 01440-2839 |
| Document Number | 0064910-41 |
|---|---|
| Date | Apr 12, 2021 |
| Book Page | 64910/41 |
| Instrument | 50022 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 1, 2019 |
| Property Address | 175 BAKER ST, GARDNER, MA 01440-2839 |
| Document Number | 61157-94 |
| Book / Page | 61157 / 94 |
| Instrument Date | Oct 1, 2019 |
| Instrument | 102591 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 175 BAKER ST, GARDNER, MA 01440-2839 |
| Document Number | 102592 |
|---|---|
| Date | Oct 1, 2019 |
| Instrument | 102592 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 15, 2017 |
| Property Address | 175 BAKER ST, GARDNER, MA 01440-2839 |
| Document Number | 57580-245 |
| Book / Page | 057580 / 000245 |
| Instrument Date | Aug 11, 2017 |
| Instrument | 88519 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 175 BAKER ST GARDNER MA 014402839, GARDNER, MA 01440-2839 |
The 2026 property tax bill for 175 Baker St was $3,918, up 9,946.2% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,918.00 (+9,946.15%) | $284,500 (+4.37%) Land $76,500 Building $208,000 | $320,380 (+10.46%) |
| 2025 | $39.00 (-99.04%) | $272,600 (+0.33%) Land $69,500 Building $203,100 | $290,035 |
| 2024 | $4,073.00 (+7.95%) | $271,700 (+16.16%) Land $63,200 Building $208,500 | |
| 2023 | $3,773.00 | $233,900 Land $62,300 Building $171,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 175 Baker St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 175 Baker St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people · EPA ID MA2103000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Jan 2022 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 356 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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